Does your business have an annual revenue—based on the most recent financial statements—between 150,000 and 350,000 euros?
If your company has been in business for at least 3 years, you can apply for financing ranging from 20,000 to 40,000 euros.
We support your business’s liquidity needs with financing starting at 20,000 euros, guaranteed by the MCC Guarantee Fund.
Banca Sistema’s Digital Lending is designed for SMEs that have been in business for at least 3 years, have annual revenue exceeding 150,000 euros, and are organized as corporations.
Does your business have an annual revenue, as reported in the most recent financial statements, of 350,000 euros or more?
If your company has been in business for at least 3 years, you can apply for financing ranging from 20,000 to 500,000 euros.
Request a quote
See the Information Sheet in Transparency for the terms and conditions.
Benefits
We support your business
For all your liquidity needs.
1 / 3: We support your business
Finance your business in 3 clicks.
Sign up
Sign up in 3 minutes* from your computer or smartphone.
Find out the result
Find out in 3 days** if your financing has been approved and what the terms are.
Log in to the platform
Log in to the platform and check your eligibility right away.
Is your business eligible for financing?
Find out now.
Don’t have any doubts about your financing
Here are the answers to the most frequently asked questions.
What is Digital Lending for businesses?
A financing solution for businesses with a digitally supported application and assessment process.
What advantages does Banca Sistema’s Digital Lending offer?
Speed: Find out immediately if your business is eligible and apply directly on the platform. Within a few days you will know whether your application has been approved and on what terms. If the assessment is successful, you will receive the approved amount.
Transparency and clarity: The Digital Lending platform shows the financing terms and costs and explains the assessment and approval process.
100% digital and available 24/7: Access the Digital Lending platform at any time from your computer or phone, regardless of bank branch opening hours.
What is the maximum financing amount available?
You can apply for:
- €20,000 to €40,000 if your company was incorporated at least 3 years ago and reported annual turnover of €150,000 to €350,000 in its latest financial statements or tax return.
- €20,000 to €500,000 if your company was incorporated at least 3 years ago and reported annual turnover of €350,000 or more in its latest financial statements or tax return.
- Financing is subject, among other conditions, to a guarantee from the Fund.
Who is Banca Sistema’s Digital Lending financing intended for?
Digital Lending is available to micro, small and medium-sized enterprises (SMEs), as defined in Recommendation 2003/361/EC of 6 May 2003 and the Italian Ministry of Productive Activities Decree of 18 April 2005, as amended. Applicants must be registered as companies limited by capital and must:
- Have filed at least two full-year financial statements with the Chamber of Commerce.
- Have an ATECO activity code eligible for the Guarantee Fund.
- Have a registered office in Italy.
- Have been incorporated for at least 3 years and report turnover of €150,000 to €350,000 in their latest financial statements or tax return for loans of €20,000 to €40,000.
- Have been incorporated for at least 3 years and report turnover of at least €350,000 in their latest financial statements or tax return for loans of €20,000 to €500,000.
- See the Information Sheet in Transparency for the terms and conditions.
How can you contact Customer Service?
Our Customer Service team is available at the toll-free number 800 938874, Monday to Friday, from 9:00 a.m. to 1:00 p.m. and from 2:00 p.m. to 5:30 p.m.
Do you still have questions?
Our toll-free number 800 938 874 is available Monday to Friday, from 9:00 a.m. to 1:00 p.m. and from 2:00 p.m. to 5:30 p.m.
*The timeframe mentioned (“3 minutes”) is based on the average time it takes to complete the online application, excluding the time it takes for the applicant to submit the documents required for evaluation.
** The timeframe mentioned (“3 days”) may vary depending on the evaluation of the applicant’s profile and further verification by the Bank. Loan approval is subject to the Bank’s sole discretion.